Written by: Tom Levine

Californians are passionate people. I know. I have lived in California my whole life: From the smoggy basins of Los Angeles, to, well, the smoggy basins of Sacramento. I’ve traveled highway 101, I’ve smelled the glory of the Redwoods, and I’ve experienced the confusion of the Terminator becoming governor. Without turning into a pop-song, I’ve done it all California-style, and that even includes, moving through the exciting process of doing a California Refinance Online!Okay, so it’s not exactly as poetic or as exciting as I’m making it out to be, but a California Refinance conducted online does not make you a bad Californian. It makes you a smart consumer, and if it’s important for you to keep your business local, then there’s no need to shy away from your monitor. You can still do it all in your pajamas.In the next few moments, I’m going to cover some basics to ease your worries and calm your nerves about using the internet to gain access to local money.1. You are in Total Control.2. Some Important Online Information3. Keeping it Local!4. Start Broad, And then Narrow Your Search.1. You are in Total Control.a) Chances are, you will be filling out a short 30 second form online in the very near future, and in return, you will be receiving 3 to 4 immediate offers from brokers and lenders vying for your business.b) But that doesn’t mean that you must receive offers from banks located at the top of the Space Needle or beneath the catacombs of the Grand Canyon.c) The majority of the loan search services available online provide you with the option to request loan offers from several brokers specific to your area. You don’t need to reach far and wide to get a good deal.d) This means that you can rest easy. When it’s time to complete the online short-form application, just make sure the query asks you if you’d like to narrow your search.2. Some Important Online Informationa) Ask if your prospective mortgage broker and/or lender are licensed under the CMLA, the California Mortgage Lending Act of 1994.   read more »

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